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Vincent Dobbelaar, Director of FinTech & Structured Finance at NIBC Bank Deutschland recently spoke with Efma’s Boris Plantier. They discussed what he looks for in FinTech investments, the nature of the subscription economy, and how the bank is looking beyond to identify the next big trends in mobility.

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Could you tell me a little bit about your work at NIBC Bank Deutschland?

Within our FinTech and Structured Finance team we provide financing and advisory solutions to clients in the financial services space with a particular focus on FinTech. For many clients we set up structured solutions to refinance portfolios of financial receivables. This can be an important contributor to the scale-up of various FinTech models, as it allows clients to attract financing based on the quality and cash flows of their assets rather than their own financial track-record, which can be limited for companies in the scale-up phase.

What kind of fintechs do you look for in your work?

A key contribution of the FinTech space to the financial sector is the efficient handling of processes using technology. An important example is the creation of digitalized and highly automated underwriting processes for financing products like consumer loans, SME loans or factoring. If a client has a real technological angle in this space, it can differentiate itself from incumbents and become highly valuable. In certain cases, we have taken strategic stakes in FinTech companies to learn and benefit from such technological process optimization ourselves. Others are looking for refinancing to fund portfolios of receivables they originate, which fits strongly to our structured finance know-how. In such cases, we look carefully at the origination criteria and processes of the underlying assets and the performance of the portfolio. The quality of management, scalability of the business model and operational capability to service a structured finance solution are important elements for us.

Why did you decide to finance Cluno?

Cluno is a great example of a target client for our franchise. They have launched an attractive mobility-as-a-service product that offers consumers and SMEs the opportunity to subscribe to a vehicle on a flexible basis. The concept is highly client-centric, offering clients a fully digital experience as well as reducing the “hassle” connected to owning, financing, insuring and maintaining a vehicle to the absolute minimum. This is a clear differentiator in a huge, addressable market. The product and financing structure also have various features that provide substantial comfort to the banking partners of Cluno, which has allowed them to raise substantial debt financing capacity for the further roll-out of their business model.

What is your vision for the future of the subscription economy?

The concept of conveniently having access to an asset when you need it and then passing it on is a very broad trend. It is a different way of thinking about the assets we use in our daily life. Traditional ownership used to be very important to people and companies, who are increasingly looking at minimizing the amount of assets they own themselves as they want to be more flexible and sustainable in a rapidly changing environment. We see this trend developing at clients ranging from the consumer space to large industrial clients. Subscription models are becoming a sizeable market next to the more established concepts of owning, financing and leasing.

What role can a bank play in the subscription economy?

The growth of subscription models will lead to a large financing need for the companies offering those models, which can be specialized parties like Cluno but also manufacturers of such products themselves. As the ownership and the risk of the asset does not transfer to its user, the financing need remains with the provider of the service. The current challenge in the market is mainly how the risk on the price development of assets that are provided to clients can be mitigated for the benefit of the financing parties. This is still a case-by-case process where various solutions are being developed.

Lastly, when you imagine the future of mobility, what comes to mind?

There are several ongoing meta-trends in mobility, including electrification, sharing, and subscription models. The need for increased sustainability is clear and we see that cities are the early adapters. Especially in cities, the current challenges can only be addressed by a combination of measures and innovations. Different groups of consumers will be more likely to choose for different alternatives to the current model of owned vehicles with combustion engines. Electrification requires substantial investment in charging infrastructure. Looking at the issue more broadly, there are also ample opportunities to improve public transport and for more and safer cycling infrastructure. Such measures can take pressure off the infrastructure for passenger vehicles.

cluno_tablet.jpg (34 KB)

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[arguments:protected] => Array ( ) ) [revisionable] => 1 [display] => Array ( [view] => Array ( [options] => Array(3) ) [form] => Array ( [options] => Array(3) [configurable] => 1 ) ) [provider] => node [field_name] => uid [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [title] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => string [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => string [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [required] => 1 [translatable] => 1 [revisionable] => 1 [display] => Array(2) [provider] => node [field_name] => title [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:string [settings] => Array ( [max_length] => 255 [is_ascii] => [case_sensitive] => ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Title [arguments:protected] => Array ( ) ) [required] => 1 [translatable] => 1 [revisionable] => 1 [display] => Array ( [view] => Array ( [options] => Array(3) ) [form] => Array ( [options] => Array(2) [configurable] => 1 ) ) [provider] => node [field_name] => title [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [created] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => created [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => created [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [description] => Drupal\Core\StringTranslation\TranslatableMarkup [revisionable] => 1 [translatable] => 1 [display] => Array(2) [provider] => node [field_name] => created [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:created [settings] => Array ( ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Authored on [arguments:protected] => Array ( ) ) [description] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => The time that the node was created. [arguments:protected] => Array ( ) ) [revisionable] => 1 [translatable] => 1 [display] => Array ( [view] => Array ( [options] => Array(3) ) [form] => Array ( [options] => Array(2) [configurable] => 1 ) ) [provider] => node [field_name] => created [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [changed] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => changed [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => changed [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [description] => Drupal\Core\StringTranslation\TranslatableMarkup [revisionable] => 1 [translatable] => 1 [provider] => node [field_name] => changed [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:changed [settings] => Array ( ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Changed [arguments:protected] => Array ( ) ) [description] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => The time that the node was last edited. [arguments:protected] => Array ( ) ) [revisionable] => 1 [translatable] => 1 [provider] => node [field_name] => changed [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [promote] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\Entity\BaseFieldOverride [baseFieldDefinition:protected] => [id:protected] => node.content_corner_item.promote [field_name:protected] => promote [field_type:protected] => boolean [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Promoted to front page [description:protected] => [settings:protected] => Array ( [on_label] => On [off_label] => Off ) [required:protected] => [translatable:protected] => 1 [default_value:protected] => Array ( [0] => Array ( [value] => 0 ) ) [default_value_callback:protected] => [fieldStorage:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.promote [status:protected] => 1 [uuid:protected] => 9c145c0c-6e5c-4d9c-a463-59c7f2ccf527 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => base_field_override [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => node.type.content_corner_item ) ) [isSyncing:protected] => ) [sticky] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => boolean [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => boolean [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [revisionable] => 1 [translatable] => 1 [default_value] => Array(1) [display] => Array(1) [provider] => node [field_name] => sticky [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:boolean [settings] => Array ( [on_label] => Drupal\Core\StringTranslation\TranslatableMarkup [off_label] => Drupal\Core\StringTranslation\TranslatableMarkup ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Sticky at top of lists [arguments:protected] => Array ( ) ) [revisionable] => 1 [translatable] => 1 [default_value] => Array ( [0] => Array ( [value] => ) ) [display] => Array ( [form] => Array ( [options] => Array(3) [configurable] => 1 ) ) [provider] => node [field_name] => sticky [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [default_langcode] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => boolean [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => boolean [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [description] => Drupal\Core\StringTranslation\TranslatableMarkup [translatable] => 1 [revisionable] => 1 [default_value] => Array(1) [provider] => node [field_name] => default_langcode [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:boolean [settings] => Array ( [on_label] => Drupal\Core\StringTranslation\TranslatableMarkup [off_label] => Drupal\Core\StringTranslation\TranslatableMarkup ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Default translation [arguments:protected] => Array ( ) ) [description] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => A flag indicating whether this is the default translation. [arguments:protected] => Array ( ) ) [translatable] => 1 [revisionable] => 1 [default_value] => Array ( [0] => Array ( [value] => 1 ) ) [provider] => node [field_name] => default_langcode [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [revision_default] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => boolean [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => boolean [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [description] => Drupal\Core\StringTranslation\TranslatableMarkup [storage_required] => 1 [internal] => 1 [translatable] => [revisionable] => 1 [provider] => node [field_name] => revision_default [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:boolean [settings] => Array ( [on_label] => Drupal\Core\StringTranslation\TranslatableMarkup [off_label] => Drupal\Core\StringTranslation\TranslatableMarkup ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Default revision [arguments:protected] => Array ( ) ) [description] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => A flag indicating whether this was a default revision when it was saved. [arguments:protected] => Array ( ) ) [storage_required] => 1 [internal] => 1 [translatable] => [revisionable] => 1 [provider] => node [field_name] => revision_default [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [revision_translation_affected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => boolean [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => boolean [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [description] => Drupal\Core\StringTranslation\TranslatableMarkup [read-only] => 1 [revisionable] => 1 [translatable] => 1 [provider] => node [field_name] => revision_translation_affected [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:boolean [settings] => Array ( [on_label] => Drupal\Core\StringTranslation\TranslatableMarkup [off_label] => Drupal\Core\StringTranslation\TranslatableMarkup ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Revision translation affected [arguments:protected] => Array ( ) ) [description] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Indicates if the last edit of a translation belongs to current revision. [arguments:protected] => Array ( ) ) [read-only] => 1 [revisionable] => 1 [translatable] => 1 [provider] => node [field_name] => revision_translation_affected [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [metatag] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => map [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => map [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [description] => Drupal\Core\StringTranslation\TranslatableMarkup [class] => \Drupal\metatag\Plugin\Field\MetatagEntityFieldItemList [computed] => 1 [translatable] => 1 [entity_type] => node [provider] => metatag [field_name] => metatag [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:map [settings] => Array ( ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Metatags [arguments:protected] => Array ( ) ) [description] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => The meta tags for the entity. [arguments:protected] => Array ( ) ) [class] => \Drupal\metatag\Plugin\Field\MetatagEntityFieldItemList [computed] => 1 [translatable] => 1 [entity_type] => node [provider] => metatag [field_name] => metatag [bundle] => ) [typedDataManager:protected] => ) [path] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => path [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => path [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [translatable] => 1 [display] => Array(1) [computed] => 1 [provider] => path [field_name] => path [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:path [settings] => Array ( ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => URL alias [arguments:protected] => Array ( ) ) [translatable] => 1 [display] => Array ( [form] => Array ( [options] => Array(2) [configurable] => 1 ) ) [computed] => 1 [provider] => path [field_name] => path [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [menu_link] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => entity_reference [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\BaseFieldDefinition [type:protected] => entity_reference [propertyDefinitions:protected] => [schema:protected] => [indexes:protected] => Array ( ) [itemDefinition:protected] => stdClass Object ( [__CLASS__] => Drupal\Core\Field\TypedData\FieldItemDataDefinition [fieldDefinition:protected] => Drupal\Core\Field\BaseFieldDefinition [definition:protected] => Array(2) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => Drupal\Core\StringTranslation\TranslatableMarkup [description] => Drupal\Core\StringTranslation\TranslatableMarkup [revisionable] => 1 [translatable] => 1 [display] => Array(2) [computed] => 1 [provider] => token [field_name] => menu_link [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [definition:protected] => Array ( [type] => field_item:entity_reference [settings] => Array ( [target_type] => menu_link_content [handler] => default [handler_settings] => Array(0) ) ) [typedDataManager:protected] => ) [definition:protected] => Array ( [label] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Menu link [arguments:protected] => Array ( ) ) [description] => stdClass Object ( [__CLASS__] => Drupal\Core\StringTranslation\TranslatableMarkup [translatedMarkup:protected] => [options:protected] => Array ( ) [stringTranslation:protected] => [string:protected] => Computed menu link for the node (only available during node saving). [arguments:protected] => Array ( ) ) [revisionable] => 1 [translatable] => 1 [display] => Array ( [view] => Array ( [options] => Array(2) ) [form] => Array ( [options] => Array(1) ) ) [computed] => 1 [provider] => token [field_name] => menu_link [entity_type] => node [bundle] => ) [typedDataManager:protected] => ) [field_author_text] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_author_text [field_name:protected] => field_author_text [field_type:protected] => string [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Author [description:protected] => [settings:protected] => Array ( ) [required:protected] => [translatable:protected] => [default_value:protected] => Array ( ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_author_text [status:protected] => 1 [uuid:protected] => 1403ef88-a676-4a65-8603-6062ad0d0f25 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_author_text [1] => node.type.content_corner_item ) ) [isSyncing:protected] => ) [field_bg_image] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_bg_image [field_name:protected] => field_bg_image [field_type:protected] => image [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Cover image [description:protected] => [settings:protected] => Array ( [file_directory] => [date:custom:Y]-[date:custom:m] [file_extensions] => png gif jpg jpeg [max_filesize] => [max_resolution] => [min_resolution] => [alt_field] => [alt_field_required] => [title_field] => [title_field_required] => [default_image] => Array ( [uuid] => [alt] => [title] => [width] => [height] => ) [handler] => default:file [handler_settings] => Array ( ) ) [required:protected] => 1 [translatable:protected] => 1 [default_value:protected] => Array ( ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_bg_image [status:protected] => 1 [uuid:protected] => f7c843fb-708f-4063-b20c-fd4978eda512 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_bg_image [1] => node.type.content_corner_item ) [module] => Array ( [0] => image ) ) [isSyncing:protected] => ) [field_co_branded] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_co_branded [field_name:protected] => field_co_branded [field_type:protected] => boolean [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Co-branded article [description:protected] => [settings:protected] => Array ( [on_label] => Yes [off_label] => No ) [required:protected] => [translatable:protected] => [default_value:protected] => Array ( [0] => Array ( [value] => 0 ) ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_co_branded [status:protected] => 1 [uuid:protected] => 4b9fe948-2d07-4264-9aa2-6a6d2c759759 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_co_branded [1] => node.type.content_corner_item ) ) [isSyncing:protected] => ) [field_content_corner_keywords] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_content_corner_keywords [field_name:protected] => field_content_corner_keywords [field_type:protected] => entity_reference [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Keywords [description:protected] => [settings:protected] => Array ( [handler] => default:taxonomy_term [handler_settings] => Array ( [target_bundles] => Array ( [content_corner_keywords] => content_corner_keywords ) [sort] => Array ( [field] => name [direction] => asc ) [auto_create] => 1 [auto_create_bundle] => ) ) [required:protected] => [translatable:protected] => [default_value:protected] => Array ( ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_content_corner_keywords [status:protected] => 1 [uuid:protected] => 5b5ad5a0-1390-4c12-86b9-8cbe572772e3 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_content_corner_keywords [1] => node.type.content_corner_item [2] => taxonomy.vocabulary.content_corner_keywords ) ) [isSyncing:protected] => ) [field_content_corner_locals] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_content_corner_locals [field_name:protected] => field_content_corner_locals [field_type:protected] => entity_reference [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Localisations [description:protected] => [settings:protected] => Array ( [handler] => default:taxonomy_term [handler_settings] => Array ( [target_bundles] => Array ( [content_corner_localisations] => content_corner_localisations ) [sort] => Array ( [field] => name [direction] => asc ) [auto_create] => 1 [auto_create_bundle] => ) ) [required:protected] => [translatable:protected] => [default_value:protected] => Array ( ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_content_corner_locals [status:protected] => 1 [uuid:protected] => eed4cb79-3dbd-4880-a8c0-2c4effe1b490 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_content_corner_locals [1] => node.type.content_corner_item [2] => taxonomy.vocabulary.content_corner_localisations ) ) [isSyncing:protected] => ) [field_content_corner_source] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_content_corner_source [field_name:protected] => field_content_corner_source [field_type:protected] => list_string [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Source [description:protected] => [settings:protected] => Array ( ) [required:protected] => 1 [translatable:protected] => [default_value:protected] => Array ( [0] => Array ( [value] => local ) ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_content_corner_source [status:protected] => 1 [uuid:protected] => 43d6a4e6-aa06-4d37-9770-06456291d0d0 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_content_corner_source [1] => node.type.content_corner_item ) [module] => Array ( [0] => options ) ) [isSyncing:protected] => ) [field_content_corner_type] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_content_corner_type [field_name:protected] => field_content_corner_type [field_type:protected] => list_string [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Type [description:protected] => [settings:protected] => Array ( ) [required:protected] => 1 [translatable:protected] => [default_value:protected] => Array ( [0] => Array ( [value] => article ) ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_content_corner_type [status:protected] => 1 [uuid:protected] => 8b0ede92-b1ea-48f5-b258-26a218aaf52e [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_content_corner_type [1] => node.type.content_corner_item ) [module] => Array ( [0] => options ) ) [isSyncing:protected] => ) [field_efma_id] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_efma_id [field_name:protected] => field_efma_id [field_type:protected] => string [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => EFMA ID [description:protected] => [settings:protected] => Array ( ) [required:protected] => [translatable:protected] => 1 [default_value:protected] => Array ( ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_efma_id [status:protected] => 1 [uuid:protected] => c5e5447b-8d00-4746-b73c-b815cbde46ba [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_efma_id [1] => node.type.content_corner_item ) ) [isSyncing:protected] => ) [field_intro_text] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_intro_text [field_name:protected] => field_intro_text [field_type:protected] => text_long [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Intro Text [description:protected] => [settings:protected] => Array ( ) [required:protected] => [translatable:protected] => 1 [default_value:protected] => Array ( ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_intro_text [status:protected] => 1 [uuid:protected] => 67ba72b8-b4a8-47eb-81d5-7d07057a46c5 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_intro_text [1] => node.type.content_corner_item ) [module] => Array ( [0] => text ) ) [isSyncing:protected] => ) [field_text] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_text [field_name:protected] => field_text [field_type:protected] => text_long [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Content [description:protected] => [settings:protected] => Array ( ) [required:protected] => [translatable:protected] => [default_value:protected] => Array ( ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_text [status:protected] => 1 [uuid:protected] => 19921da9-afd4-4b9e-b15e-9b077559468c [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_text [1] => node.type.content_corner_item ) [module] => Array ( [0] => text ) ) [isSyncing:protected] => ) [field_video_url] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_video_url [field_name:protected] => field_video_url [field_type:protected] => video_embed_field [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Video link [description:protected] => [settings:protected] => Array ( [allowed_providers] => Array ( [dailymotion] => dailymotion [vimeo] => vimeo [youtube] => youtube [youtube_playlist] => 0 ) ) [required:protected] => [translatable:protected] => 1 [default_value:protected] => Array ( ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_video_url [status:protected] => 1 [uuid:protected] => 202b5653-4376-4a7a-a0b3-78b7bb65d338 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_video_url [1] => node.type.content_corner_item ) [module] => Array ( [0] => video_embed_field ) ) [isSyncing:protected] => ) [field_year] => stdClass Object ( [__CLASS__] => Drupal\field\Entity\FieldConfig [deleted:protected] => [fieldStorage:protected] => [id:protected] => node.content_corner_item.field_year [field_name:protected] => field_year [field_type:protected] => string [entity_type:protected] => node [bundle:protected] => content_corner_item [label:protected] => Year [description:protected] => [settings:protected] => Array ( ) [required:protected] => 1 [translatable:protected] => [default_value:protected] => Array ( ) [default_value_callback:protected] => [itemDefinition:protected] => [constraints:protected] => Array ( ) [propertyConstraints:protected] => Array ( ) [originalId:protected] => node.content_corner_item.field_year [status:protected] => 1 [uuid:protected] => 0bcfc606-30ce-4098-876a-97820dfb04c2 [isUninstalling:Drupal\Core\Config\Entity\ConfigEntityBase:private] => [langcode:protected] => en [third_party_settings:protected] => Array ( ) [_core:protected] => Array ( ) [trustedData:protected] => [entityTypeId:protected] => field_config [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [dependencies:protected] => Array ( [config] => Array ( [0] => field.storage.node.field_year [1] => node.type.content_corner_item ) ) [isSyncing:protected] => ) ) [languages:protected] => [langcodeKey:protected] => langcode [defaultLangcodeKey:protected] => default_langcode [activeLangcode:protected] => x-default [defaultLangcode:protected] => en [translations:protected] => Array ( [x-default] => Array ( [status] => 1 ) ) [translationInitialize:protected] => [newRevision:protected] => [isDefaultRevision:protected] => 1 [entityKeys:protected] => Array ( [bundle] => content_corner_item [id] => 5843 [revision] => 7804 [uuid] => bab0054b-f27b-4d90-b249-7b5e4dc4c6b5 ) [translatableEntityKeys:protected] => Array ( [label] => Array ( [x-default] => Why NIBC Bank Deutschland is banking on the subscription economy ) [langcode] => Array ( [x-default] => en ) [status] => Array ( [x-default] => 1 ) [published] => Array ( [x-default] => 1 ) [uid] => Array ( [x-default] => 1 ) [owner] => Array ( [x-default] => 1 ) [default_langcode] => Array ( [x-default] => 1 ) [revision_translation_affected] => Array ( [x-default] => 1 ) ) [validated:protected] => [validationRequired:protected] => [loadedRevisionId:protected] => 7804 [revisionTranslationAffectedKey:protected] => revision_translation_affected [enforceRevisionTranslationAffected:protected] => Array ( ) [entityTypeId:protected] => node [enforceIsNew:protected] => [typedData:protected] => [cacheContexts:protected] => Array ( ) [cacheTags:protected] => Array ( ) [cacheMaxAge:protected] => -1 [_serviceIds:protected] => Array ( ) [_entityStorages:protected] => Array ( ) [isSyncing:protected] => )